<SEC-DOCUMENT>0002085652-25-000004.txt : 20251121
<SEC-HEADER>0002085652-25-000004.hdr.sgml : 20251121
<ACCEPTANCE-DATETIME>20251121193033
ACCESSION NUMBER:		0002085652-25-000004
CONFORMED SUBMISSION TYPE:	SCHEDULE 13D/A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20251121
DATE AS OF CHANGE:		20251121

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CARVER BANCORP INC
		CENTRAL INDEX KEY:			0001016178
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		ORGANIZATION NAME:           	02 Finance
		EIN:				133904174
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13D/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-48913
		FILM NUMBER:		251509351

	BUSINESS ADDRESS:	
		STREET 1:		75 W 125TH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10027-4512
		BUSINESS PHONE:		2128764747

	MAIL ADDRESS:	
		STREET 1:		75 W 125TH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10027-4512

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Mann Barry James
		CENTRAL INDEX KEY:			0002085652
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13D/A

	MAIL ADDRESS:	
		STREET 1:		941 JEROME AVENUE
		STREET 2:		APT. 14G
		CITY:			BRONX
		STATE:			NY
		ZIP:			10452
</SEC-HEADER>
<DOCUMENT>
<TYPE>SCHEDULE 13D/A
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/schedule13D" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>SCHEDULE 13D/A</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <cik>0002085652</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <coverPageHeader>
      <amendmentNo>3</amendmentNo>
      <securitiesClassTitle>Common Stock, par value $0.01 per share</securitiesClassTitle>
      <dateOfEvent>11/21/2025</dateOfEvent>
      <previouslyFiledFlag>false</previouslyFiledFlag>
      <issuerInfo>
        <issuerCIK>0001016178</issuerCIK>
        <issuerCUSIP>146875604</issuerCUSIP>
        <issuerName>CARVER BANCORP INC</issuerName>
        <address>
          <com:street1>75 W 125TH ST</com:street1>
          <com:city>NEW YORK</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>10027-4512</com:zipCode>
        </address>
      </issuerInfo>
      <authorizedPersons>
        <notificationInfo>
          <personName>Barry J. Mann</personName>
          <personPhoneNum>8502259314</personPhoneNum>
          <personAddress>
            <com:street1>914 Jerome Avenue</com:street1>
            <com:street2>Apt. 14G</com:street2>
            <com:city>Bronx</com:city>
            <com:stateOrCountry>NY</com:stateOrCountry>
            <com:zipCode>10452</com:zipCode>
          </personAddress>
        </notificationInfo>
      </authorizedPersons>
    </coverPageHeader>
    <reportingPersons>
      <reportingPersonInfo>
        <reportingPersonCIK>0002085652</reportingPersonCIK>
        <reportingPersonNoCIK>N</reportingPersonNoCIK>
        <reportingPersonName>Mann Barry James</reportingPersonName>
        <fundType>PF</fundType>
        <legalProceedings>N</legalProceedings>
        <citizenshipOrOrganization>NY</citizenshipOrOrganization>
        <soleVotingPower>450463.00</soleVotingPower>
        <soleDispositivePower>450463.00</soleDispositivePower>
        <aggregateAmountOwned>450463.00</aggregateAmountOwned>
        <isAggregateExcludeShares>N</isAggregateExcludeShares>
        <percentOfClass>8.5</percentOfClass>
        <typeOfReportingPerson>IN</typeOfReportingPerson>
      </reportingPersonInfo>
    </reportingPersons>
    <items1To7>
      <item1>
        <securityTitle>Common Stock, par value $0.01 per share</securityTitle>
        <issuerName>CARVER BANCORP INC</issuerName>
        <issuerPrincipalAddress>
          <com:street1>75 W 125TH ST</com:street1>
          <com:city>NEW YORK</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>10027-4512</com:zipCode>
        </issuerPrincipalAddress>
      </item1>
      <item2>
        <filingPersonName>Barry James Mann</filingPersonName>
        <principalBusinessAddress>941 Jerome Avenue, Apt. 14G, Bronx, NY 10452</principalBusinessAddress>
        <principalJob>Mann is presently the CFO of Spring Bank and the CFO/Treasurer of CheckSpring Community Corporation (parent of Spring Bank) which are both located at 69 E. 167th Street, Bronx, NY 10452</principalJob>
        <hasBeenConvicted>none</hasBeenConvicted>
        <convictionDescription>none</convictionDescription>
        <citizenship>USA</citizenship>
      </item2>
      <item3>
        <fundsSource>Mann acquired 450,463 shares with personal funds in multiple open market transactions for a total investment of $1,031,555.34.  Mann paid an average price of $2.29 per share</fundsSource>
      </item3>
      <item4>
        <transactionPurpose>The reporting person acquired beneficial ownership in the shares originally in the belief that the Shares were undervalued.  Since the last amendment was filed on October 31st, the shares because overvalued and are now undervalued again.  As Carver Bancorp's largest investor in terms of shares owned, the reporting person intends to purchase additional shares and engage in conversations, meetings and other communications with certain members of the Issuer's Board, Management, Shareholders, Industry Analysts, and other interested parties, in each case to support the strategic plan proposed by Management to improve the efficiency and financial condition of the Issuer and the increase shareholder value.  The reporting person does not believe that hype, manipulation, share repurchase schemes and press releases will help increase long-term shareholder value.</transactionPurpose>
      </item4>
      <item5>
        <percentageOfClassSecurities>Mann beneficially owns 450,463 shares.  Percentage is 8.5% of the 5,287,100 shares outstanding as of September 30th per the Bancorp's 10-Q filing.</percentageOfClassSecurities>
        <numberOfShares>1.  Sole power to vote or direct vote:  450,463
2.  Shared power to vote or direct vote:  0
3.  Sole power to dispose or direct the disposition:  450,463
4.  Shared power to dispose or direct the disposition:  0</numberOfShares>
        <transactionDesc>Mann purchased 249,035 shares in multiple open market transactions during the past 60 days as of November 21, 2025, for an average price of $2.74 per share</transactionDesc>
        <listOfShareholders>none</listOfShareholders>
        <date5PercentOwnership>n/a</date5PercentOwnership>
      </item5>
      <item6>
        <contractDescription>There are no contracts, arrangements, understandings or relationships between the reporting person and any other individual or entity at this time.  Mann has acquired these shares independent of the management and current ownership of his present employers. </contractDescription>
      </item6>
    </items1To7>
    <signatureInfo>
      <signaturePerson>
        <signatureReportingPerson>Mann Barry James</signatureReportingPerson>
        <signatureDetails>
          <signature>Barry J. Mann</signature>
          <title>Barry J. Mann</title>
          <date>11/21/2025</date>
        </signatureDetails>
      </signaturePerson>
    </signatureInfo>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
